Can I retire at age 35 with 779,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $779,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$64,329$63,756$63,197$62,651$62,119$61,039
2 years$31,846$31,253$30,678$30,121$29,580$28,496
3 years$21,020$20,424$19,851$19,299$18,767$17,712
4 years$15,608$15,014$14,446$13,904$13,385$12,367
5 years$12,361$11,771$11,211$10,679$10,175$9,198
6 years$10,198$9,612$9,060$8,540$8,051$7,115
7 years$8,653$8,072$7,529$7,021$6,548$5,653
8 years$7,495$6,919$6,385$5,890$5,432$4,579
9 years$6,595$6,025$5,500$5,017$4,574$3,763
10 years$5,875$5,310$4,795$4,325$3,898$3,126
11 years$5,286$4,727$4,221$3,764$3,352$2,620
12 years$4,796$4,243$3,746$3,301$2,905$2,211
13 years$4,382$3,835$3,347$2,915$2,533$1,877
14 years$4,027$3,485$3,007$2,587$2,221$1,600
15 years$3,720$3,184$2,715$2,307$1,955$1,370
16 years$3,451$2,921$2,462$2,066$1,728$1,176
17 years$3,215$2,690$2,240$1,856$1,532$1,013
18 years$3,004$2,486$2,045$1,673$1,362$874
19 years$2,816$2,304$1,872$1,512$1,214$756
20 years$2,648$2,141$1,718$1,369$1,085$655
21 years$2,495$1,994$1,580$1,243$971$568
22 years$2,356$1,862$1,456$1,130$870$494
23 years$2,230$1,741$1,345$1,029$781$429
24 years$2,115$1,631$1,244$938$702$373
25 years$2,008$1,531$1,152$857$632$325
26 years$1,911$1,439$1,068$784$569$284
27 years$1,820$1,354$992$717$513$247
28 years$1,736$1,276$922$657$463$216
29 years$1,658$1,204$858$603$418$188
30 years$1,586$1,137$799$553$378$164
31 years$1,518$1,075$745$508$341$144
32 years$1,455$1,017$695$467$309$126
33 years$1,395$963$649$429$279$110
34 years$1,339$913$607$395$253$96
35 years$1,287$866$567$364$229$84
36 years$1,237$822$531$335$208$73
37 years$1,191$780$497$309$188$64
38 years$1,146$742$465$284$171$56
39 years$1,105$705$436$262$155$49
40 years$1,065$671$408$242$140$43
41 years$1,027$639$383$223$127$38
42 years$992$608$359$206$116$33
43 years$958$580$337$190$105$29
44 years$926$552$316$176$95$25
45 years$895$527$297$162$86$22
46 years$865$503$279$150$78$19
47 years$837$480$262$138$71$17
48 years$811$458$246$128$65$15
49 years$785$437$232$118$59$13
50 years$761$418$218$109$53$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $779,000, adding $2,410 every year, while hoping to spend $30,105 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 67/28/5 Blend
34$779,000$779,000$779,000$779,000
35$860,944$819,657$807,582$917,943
36$916,729$827,789$802,605$964,152
37$977,195$835,310$796,452$1,010,772
38$1,042,787$842,159$789,052$1,060,918
39$1,113,997$848,270$780,330$1,114,929
40$1,191,362$853,573$770,209$1,173,179
41$1,275,477$857,993$758,606$1,236,078
42$1,366,992$861,452$745,437$1,304,082
43$1,466,628$863,865$730,611$1,377,691
44$1,575,172$865,143$714,035$1,457,458
45$1,693,495$865,190$695,610$1,543,990
46$1,822,553$863,906$675,235$1,637,960
47$1,963,398$861,183$652,800$1,740,108
48$2,117,191$856,907$628,195$1,851,251
49$2,285,207$850,958$601,302$1,972,289
50$2,468,850$843,207$571,998$2,104,216
51$2,669,668$833,519$540,155$2,248,127
52$2,889,362$821,749$505,638$2,405,230
53$3,129,808$807,746$468,308$2,576,857
54$3,393,069$791,346$428,017$2,764,478
55$3,681,420$772,380$384,614$2,969,713
56$3,997,364$750,666$337,937$3,194,350
57$4,343,658$726,011$287,821$3,440,358
58$4,723,339$698,214$234,091$3,709,912
59$5,139,751$667,057$176,564$4,005,409
60$5,596,578$632,316$115,051$4,329,492
61$6,097,877$593,747$49,354$4,685,076
62$6,648,118$551,098$0$5,075,376
63$7,252,223$504,100$0$5,505,043
64$7,915,616$452,467$0$5,979,762
65$8,644,271$395,900$0$6,501,219
66$9,444,768$334,080$0$7,074,180
67$10,324,358$266,674$0$7,703,900
68$11,291,027$193,325$0$8,396,171
69$12,353,574$113,660$0$9,157,380
70$13,521,693$27,284$0$9,994,568
71$14,806,064$0$0$10,915,499
72$16,218,453$0$0$11,949,134
73$17,771,824$0$0$13,095,244
74$19,480,460$0$0$14,355,967
75$21,360,098$0$0$15,742,921
76$23,428,078$0$0$17,268,908
77$25,703,502$0$0$18,948,032
78$28,207,422$0$0$20,795,834
79$30,963,029$0$0$22,829,438
80$33,995,879$0$0$25,067,711
81$37,334,131$0$0$27,531,442
82$41,008,811$0$0$30,243,539
83$45,054,105$0$0$33,229,243
84$49,507,685$0$0$36,516,365
85$54,411,060$0$0$40,135,552
86$59,809,966$0$0$44,120,574
87$65,754,804$0$0$48,508,641
88$72,301,109$0$0$53,340,756
89$79,510,075$0$0$58,662,099
90$87,449,134$0$0$64,522,458
91$96,192,592$0$0$70,976,693
92$105,822,327$0$0$78,085,259
93$116,428,565$0$0$85,914,769
94$128,110,729$0$0$94,538,632
95$140,978,377$0$0$104,037,735
96$155,152,236$0$0$114,501,217
97$170,765,342$0$0$126,027,300
98$187,964,293$0$0$138,724,223
99$206,910,635$0$0$152,711,259
100$227,782,385$0$0$168,119,844